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Beacon application

bingocrazy
bingocrazy Posts: 19 Forumite
in Mortgages & endowments
I applied for a mortgage through Beacon on around 16th January and the property survey was completed on 23rd January. I received a copy of the valuation which was fine, and was told to make sure I would have the buildings insurance in place for when the offer would be made. I have found insurance etc so am ready. I have forwarded all information that was required ie bank statements, accountants certificate about 2 weeks ago. They have not asked for any further information.
I haven't heard anything since then, just wondered if this is normal? I have read on this forum that Beacon can take a long time but I'm going crazy with worry that I won't get a mortgage offer sometime soon and that the vendors will start to become uneasy about the length of time that they could take.
I'm a natural born worrier and I don't want to drive my broker mad by hassling him.
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Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    bingocrazy wrote: »
    I'm a natural born worrier and I don't want to drive my broker mad by hassling him.


    Well asking for an update isn't hassling him (unless you ask 10 times a day) :smiley:

    And he will be the only one who can give you an accurate response
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    bingocrazy wrote: »
    I'm a natural born worrier and I don't want to drive my broker mad by hassling him.

    You won't - he's paid to do things like answer your queries and chase the lender.
  • bingocrazy
    bingocrazy Posts: 19 Forumite
    Yes that's true, I just wondered if anyone knew the typical length of time from application to offer.
    I'm too much of a worry wort I think!
  • Robert_Sterling_3
    Robert_Sterling_3 Posts: 7,112 Forumite
    bingocrazy wrote: »
    I'm a natural born worrier and I don't want to drive my broker mad by hassling him.

    Hassle him.
    ...............................I have put my clock back....... Kcolc ym
  • feisty1
    feisty1 Posts: 1,487 Forumite
    bingocrazy wrote: »
    Yes that's true, I just wondered if anyone knew the typical length of time from application to offer. I'm too much of a worry wort I think!

    The broker should be keeping you updated at every stage, have they not provided you with an email address to allow you to keep contact?
  • bingocrazy
    bingocrazy Posts: 19 Forumite
    I think he probably is keeping me updated as things happen, it's just nothing seems to be happening and I'm impatient!
    I have emailed him this morning as I haven't heard anything for about 11 days now
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    I would have expected a little feedback from them in 11 days

    Don't email him, call him and just ask for an update - or better still do both !

    He is meant to be providing a service, so make sure he is
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • bingocrazy
    bingocrazy Posts: 19 Forumite
    Have spoken to him, he didn't realise that it had been 2 weeks since the survey. He is going to ring for an update and call me this afternoon so fingers crossed!
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Make sure you call him him back by around 3pm if you have not heard anything
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • feisty1
    feisty1 Posts: 1,487 Forumite
    herbiesjp wrote: »
    Don't email him,

    Email is excellent for an audit trail & requesting receipts, I would never do business without this aid........
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